• Website Privacy Policy

Introduction

We recognize that the privacy of your personal information is important. The purpose
of this policy is to let you know how we handle the information collected through
the use of this website. Portions of this website may describe privacy practices
applicable to specific types of information or to information provided on specific
web pages.

This policy does not apply to information collected through other means such as
by telephone or in person, although that information may be protected by other privacy
policies. As used in this policy, terms such as “we” or “our”
and “Company” refer to UnitedHealthcare and/or All Savers Insurance
Company (“All Savers”) and its current and future affiliated entities,
including our parent company UnitedHealth Group.

This website is intended for a United States audience. Any information you provide,
including any personal information, will be transferred to and processed by a computer
server located within the United States.

Cookies and Tracking

The Company uses various technologies, which may include “cookie” technology,
to gather information from our website visitors such as pages visited and how often
they are visited, and to enable certain features on this website. “Cookies”
are small text files that may be placed on your computer when you visit a website
or click on a URL. Cookies may include “single-session cookies” which
generally record information during only a single visit to a website and then are
erased, and “persistent” cookies which are generally stored on a computer
unless or until they are deleted or are set to expire.

You may disable cookies and similar items by adjusting your browser preferences
at any time; however, this may limit your ability to take advantage of all the features
on this website. You may also manage the use of “flash” technologies
with the Flash management tools
available at Adobe's website. Note that we do not currently respond to web browser
“Do Not Track” signals that provide a method to opt out of the collection
of information about online activities over time and across third-party websites
or online services because, among other reasons, there is no common definition of
such signals and no industry-accepted standards for how such signals should be interpreted.

We may also allow third-party service providers to use cookies and other technologies
to collect information and to track browsing activity over time and across third-party
websites such as web browsers used to read our websites, which websites are referring
traffic or linking to our websites, and to deliver targeted advertisements to you.
We do not control these third-party technologies and their use is governed by the
privacy policies of third parties using such technologies. For more information
about third-party advertising networks and similar entities that use these technologies,
see http://www.aboutads.info/consumers,
and to opt out of such ad networks’ and services’ advertising practices,
go to www.aboutads.info/choices.
Once you click the link, you may choose to opt out of such advertising from all
participating advertising companies or only advertising provided by specific advertising
companies.

We may use analytics companies to gather information and aggregate data from our
website visitors such as which pages are visited and how often they are visited,
and to enable certain features on our websites. Information is captured using various
technologies and may include cookies.

We may use and disclose your activity information unless restricted by this policy
or by law. Some examples of the ways we use your activity information include:

Customizing your experience on the website including managing and recording your preferences.

Marketing, product development, and research purposes.

Tracking resources and data accessed on the website.

Developing reports regarding website usage, activity, and statistics.

Assisting users experiencing website problems.

Enabling certain functions and tools on this website.

Tracking paths of visitors to this website and within this website.

Your Personal Information

This website may include web pages that give you the opportunity to provide us with
personal information about yourself. You do not have to provide us with personal
information if you do not want to; however, that may limit your ability to use certain
functions of this website or to request certain services or information.

We may use personal information for a number of purposes such as:

To respond to an email or particular request from you.

To personalize the website for you.

To process an application as requested by you.

To administer surveys and promotions.

To provide you with information that we believe may be useful to you, such as information
about health products or services provided by us or other businesses.

To perform analytics and to improve our products, websites, and advertising.

To comply with applicable laws, regulations, and legal process.

To protect someone's health, safety, or welfare.

To protect our rights, the rights of affiliates or related third parties, or to
take appropriate legal action, such as to enforce our Terms of Use.

To keep a record of our transactions and communications.

As otherwise necessary or useful for us to conduct our business, so long as such
use is permitted by law.

We may use personal information to contact you through any contact information you
provide through this website, including any email address, telephone number, cell
phone number, text message number, or fax number. Please see the section below titled
“Our Online Communications Practices.”

We may also share personal information within the Company, and we may combine personal
information that you provide us through this website with other information we have
received from you, whether online or offline, or from other sources such as from
our vendors. For example, if you have purchased a product or service from us, we
may combine personal information you provide through this website with information
regarding your receipt of the product or service.

Sharing Personal Information

We will only share your personal information with third parties as outlined in this
policy and as otherwise permitted by law.

We may share personal information if all or part of the Company is sold, merged,
dissolved, acquired, or in a similar transaction.

We may share personal information in response to a court order, subpoena, search
warrant, law or regulation. We may cooperate with law enforcement authorities in
investigating and prosecuting activities that are illegal, violate our rules, or
may be harmful to other visitors.

If you submit information or a posting to a chat room, bulletin board, or similar
“chat” related portion of this website, the information you submit along
with your screen name will be visible to all visitors, and such visitors may share
with others. Therefore, please be thoughtful in what you write and understand that
this information may become public.

We may also share personal information with other third-party companies that we
collaborate with or hire to perform services on our behalf. For example, we may
hire a company to help us send and manage email, and we might provide the company
with your email address and certain other information in order for them to send
you an email message on our behalf. Similarly, we may hire companies to host or
operate some of our websites and related computers and software applications.

This website may permit you to view your visitor profile and related personal information
and to request changes to such information. If this function is available, we will
include a link on this website with a heading such as “My Profile” or
similar words. Clicking on the link will take you to a page through which you may
review your visitor profile and related personal information.

Website and Information Security

We maintain reasonable administrative, technical and physical safeguards designed
to protect the information that you provide on this website. However, no security
system is impenetrable and we cannot guarantee the security of our website, nor
can we guarantee that the information you supply will not be intercepted while being
transmitted to us over the Internet, and we are not liable for the illegal acts
of third parties such as criminal hackers.

Our Online Communication Practices

We may send electronic newsletters, notification of account status, and other communications,
such as marketing communications, on a periodic basis to various individuals and
organizations. We may also send email communications regarding topics such as general
health benefits, website updates, health conditions, and general health topics.
We offer you appropriate consent mechanisms, such as opt-out, for marketing and
certain other communications. As examples, you may opt out as provided for in a
specific email communication or contact us as described below in the section “Contact
Us.” Please be aware that opt-outs may not apply to certain types of communications,
such as account status, website updates, or other communications.

Information for Children Under 13

We will not intentionally collect any personal information from children under the
age of 13 through this website without receiving parental consent. If you think
that we have collected personal information from a child under the age of 13 through
this website, please contact us.

Contact Us

To contact us regarding this policy and our related privacy practices, please contact
us at: 7440 Woodland Drive, Indianapolis, Indiana 46278-1719. If you
believe we or any company associated with us has misused any of your information
please contact us immediately and report such misuse.

Effective Date

The effective date of this policy is January 1, 2014.

Changes to this Website Privacy Policy

We may change this policy. If we do so, such change will appear on this page of
our website. We will also provide appropriate notice and choices to you, on this
website and in other appropriate locations, based on the scope and extent of changes.
You may always visit this policy to learn of any updates.

• Social Security Number Protection Policy:
Protecting personal information is important to
UnitedHealthcare and All Savers. It is our policy to protect the confidentiality
of Social Security numbers ("SSNs”) that we receive or collect in the course of
business. We secure the confidentiality of SSNs through various means, including
physical, technical, and administrative safeguards that are designed to protect
against unauthorized access. It is our policy to limit access to SSNs to that which
is lawful, and to prohibit unlawful disclosure of SSNs.